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I'm sure this has been discussed ad nauseam but I'm too lazy to go back over a year plus of posts to look for it. What was your conclusion on the 4% w/d rate given the financial events of the last year?

FWIW, prior to the downturn, I had decided on an AA of 5% cash with the remainder split evenly between equities and fixed income. (I include my 5 year CD ladder, I Bonds and bond mutual funds as the "fixed" portion of my port.) When things were really bad, I basically "stayed the course" but bought a little bit of Vanguard Total Stock Market Index (nowhere near enough to bring the equities back to parity with bonds.) I'm now back into the low 40% range on the equity side. (Fortunately, my Navy pension plus early SS for both me and my wife means I rarely have to dip into the port.

My guess is that you have also "stayed the course" on believing in the 4% w/d rate, but just curious.

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